Why do they dislike us so???? (Hoboken, Westfield: to buy, salary, bills)

[JerZ]

Originally Posted by Diane Giam

She has raced cars in the past. Her father worked for GM. Car's are important to her, not everything is. She buys things on sale but loves cars.

So it is your judgment that your friend only spends on cars but is thrifty on everything else, but that people you see driving around NJ, whom you do not even know, spend on cars but aren't thrifty?

I'm vastly relieved to hear that she only goes 75. She can do that in a Hyndai.

But don't stop now...this story is getting more interesting over time. It reminds me of that game where one person says a sentence, then the next person has to come up with a sentence that goes with it, then the next person has to add something that goes with that...etc. It all has to match up somehow and involves a lot of creativity. So I'll just wait to see what happens next to accommodate this latest inconsistency.

[CuCullin]

Originally Posted by Diane Giam

A small inexpensive one. It gets 35mpg,

Diane

It's still an SUV. Also, I own a pickup, used to own a mercedes (3 actually... not at the same time of course). Just because its a benz doesn't mean its expensive - I actually got better mileage in my benz than any other car in the same class for the price, and I didn't buy new. Looked it though.

I'm mortgaging more than 90% of my purchase price. Roughly 94%. Doesn't mean I can't afford that either, because I can. Its why I'm doing it this way, because a) I can afford the payments and b) it gets me a house. My brother used a combination of a mortgage and a home eq on the condo he bought, and he can afford it too.

Now, I can't say for any other new homeowner, but my brother doesn't shoot fireworks at the roof of his condo, and I definitely doubt I'll be doing that with mine or anyone else's roof. I can't say that I've ever seen such a thing either.

I can also tell you that people at my work have sub-prime mortgages, and they are paying for it. They live in NJ, Brooklyn, Long Island, and PA.

Could they have bought a house somewhere else for less money?

Nope. Not a chance in hell. We're a fairly specialized firm, and we need to be where the money is. NYC, Hong Kong, DC, Chicago, SF, London, Vegas, Dubai, Shanghai... TN just wouldn't work for me in a morning commute situation - it'd be kind of a long haul to get to one of our offices. And I believe I'm pretty safe in saying that it wouldn't work for many others either.

Btw, Nashville is not an area with a large amount of commercial properties. Just because businesses are there doesn't make it a major commercial hub. My family lives in TN, I have been there every year visiting since I was born. I like to spend my summer vacations in NC on the beaches at Oak Island. I enjoy wasting money uselessly on silly fun stuff at Myrtle Beach. However - I can't get work there. Not many can. If suddenly everyone from NJ up and moved to TN, do you know what you'd get? More unemployed people in TN.

Sorry Diane, but your arguments just don't hold water.

[mike0421]

Originally Posted by CuCullin

It's still an SUV. Also, I own a pickup, used to own a mercedes (3 actually... not at the same time of course). Just because its a benz doesn't mean its expensive - I actually got better mileage in my benz than any other car in the same class for the price, and I didn't buy new. Looked it though.

I'm mortgaging more than 90% of my purchase price. Roughly 94%. Doesn't mean I can't afford that either, because I can. Its why I'm doing it this way, because a) I can afford the payments and b) it gets me a house. My brother used a combination of a mortgage and a home eq on the condo he bought, and he can afford it too.

Now, I can't say for any other new homeowner, but my brother doesn't shoot fireworks at the roof of his condo, and I definitely doubt I'll be doing that with mine or anyone else's roof. I can't say that I've ever seen such a thing either.

I can also tell you that people at my work have sub-prime mortgages, and they are paying for it. They live in NJ, Brooklyn, Long Island, and PA.

Could they have bought a house somewhere else for less money?

Nope. Not a chance in hell. We're a fairly specialized firm, and we need to be where the money is. NYC, Hong Kong, DC, Chicago, SF, London, Vegas, Dubai, Shanghai... TN just wouldn't work for me in a morning commute situation - it'd be kind of a long haul to get to one of our offices. And I believe I'm pretty safe in saying that it wouldn't work for many others either.

Btw, Nashville is not an area with a large amount of commercial properties. Just because businesses are there doesn't make it a major commercial hub. My family lives in TN, I have been there every year visiting since I was born. I like to spend my summer vacations in NC on the beaches at Oak Island. I enjoy wasting money uselessly on silly fun stuff at Myrtle Beach. However - I can't get work there. Not many can. If suddenly everyone from NJ up and moved to TN, do you know what you'd get? More unemployed people in TN.

Sorry Diane, but your arguments just don't hold water.

It holds water for her, and that is good. However, as individual human beings, we are all not alike. Some of us enjoy the Nashville area for what it is, as others would prefer Monmouth County, for whatever the reason. We should all respect this simple fact. But we are not all alike. For instance, I couldn't handle the NJ winters anymore, and I couldn't afford to live there any more (perhaps I'm not as smart as some of you, my earnings potential is probably less than a good deal of you. Some people love living in or near urban areas, but I didn't. I know I am in the minority here. (This argument though is not applicable to Nashville, since like it or not, it is still very much an urban center) What I do miss about New Jersey though, and what I never thought I would miss, are the people. There are good and bad everywhere, but the good in New Jersey are really good. And very witty. If you have not spent a good deal of your life living in NJ, you might not understand this. I didn't. I had a big blind spot for it. But I understand it now. And I do miss that.

[BrianG]

Originally Posted by UKOK

I'm sure I speak for most on this forum when I say, "we are glad you are there too." Now if you would only toodle on off to the Nashville forum, and post your endless drivel there, this board would be a better place.

Maybe we should go on the Tn board and ask them
politely to welcome her to their board ,maybe she will be so overwhelmed by them she will have no free time for us !!!

[Obrero]

Originally Posted by BrianG

Maybe we should go on the Tn board and ask them
politely to welcome her to their board ,maybe she will be so overwhelmed by them she will have no free time for us !!!

From your mouth to God's ears!

[Obrero]

Originally Posted by mike0421

It holds water for her, and that is good. However, as individual human beings, we are all not alike. Some of us enjoy the Nashville area for what it is, as others would prefer Monmouth County, for whatever the reason. We should all respect this simple fact. But we are not all alike. For instance, I couldn't handle the NJ winters anymore, and I couldn't afford to live there any more (perhaps I'm not as smart as some of you, my earnings potential is probably less than a good deal of you. Some people love living in or near urban areas, but I didn't. I know I am in the minority here. (This argument though is not applicable to Nashville, since like it or not, it is still very much an urban center) What I do miss about New Jersey though, and what I never thought I would miss, are the people. There are good and bad everywhere, but the good in New Jersey are really good. And very witty. If you have not spent a good deal of your life living in NJ, you might not understand this. I didn't. I had a big blind spot for it. But I understand it now. And I do miss that.

The difference is, you don't constantly come on the NJ board and say how terrible NJ is and how it's the worst place in the world and how Nashville is super wonderful perfect. Of course some people prefer other places to NJ and vice versa. You are smart enough to realize that, others - not so much.

[BrianG]

Originally Posted by JerZ

I rather wonder about this too. But it's like something I once read which I think was based on eastern philosophy. This article said that when we assign "traits" to others, they're usually based on what we ourselves have. The example that was given in the article was (paraphrasing), "When you look at a mountain, you might call it majestic. But what you're seeing is your own majesty, and assigning that trait to the mountain. The mountain could be seen any one of a number of different ways depending upon who is looking at it, but in the end, it's none of those things, it's just a mountain. Since you know majesty within yourself, you call the mountain majestic."

The article went on to say that it's true in reverse. If you see things, or people, as ugly, harsh, or what-have-you...or, well, rude, snobby, etc...well, you can figure out the end of this sentence, I'm sure.

Makes sense to me

[Diane Giam]

Originally Posted by BrianG

Maybe we should go on the Tn board and ask them
politely to welcome her to their board ,maybe she will be so overwhelmed by them she will have no free time for us !!!

I go to the Tennessee board, and when I can answer a question I do. Remember, I'm new in TN so can't answer all, but If they ask me about a few towns, I can.
There are some really nice people on that board.

You must be having problems selling Real Estate if your on the board that often.

Diane

[Diane Giam]

Originally Posted by CuCullin

It's still an SUV. Also, I own a pickup, used to own a mercedes (3 actually... not at the same time of course). Just because its a benz doesn't mean its expensive - I actually got better mileage in my benz than any other car in the same class for the price, and I didn't buy new. Looked it though.

I'm mortgaging more than 90% of my purchase price. Roughly 94%. Doesn't mean I can't afford that either, because I can. Its why I'm doing it this way, because a) I can afford the payments and b) it gets me a house. My brother used a combination of a mortgage and a home eq on the condo he bought, and he can afford it too.

Now, I can't say for any other new homeowner, but my brother doesn't shoot fireworks at the roof of his condo, and I definitely doubt I'll be doing that with mine or anyone else's roof. I can't say that I've ever seen such a thing either.

I can also tell you that people at my work have sub-prime mortgages, and they are paying for it. They live in NJ, Brooklyn, Long Island, and PA.

Could they have bought a house somewhere else for less money?

Nope. Not a chance in hell. We're a fairly specialized firm, and we need to be where the money is. NYC, Hong Kong, DC, Chicago, SF, London, Vegas, Dubai, Shanghai... TN just wouldn't work for me in a morning commute situation - it'd be kind of a long haul to get to one of our offices. And I believe I'm pretty safe in saying that it wouldn't work for many others either.

Btw, Nashville is not an area with a large amount of commercial properties. Just because businesses are there doesn't make it a major commercial hub. My family lives in TN, I have been there every year visiting since I was born. I like to spend my summer vacations in NC on the beaches at Oak Island. I enjoy wasting money uselessly on silly fun stuff at Myrtle Beach. However - I can't get work there. Not many can. If suddenly everyone from NJ up and moved to TN, do you know what you'd get? More unemployed people in TN.

Sorry Diane, but your arguments just don't hold water.

Your a fool mortgaging that much money. When other expenses pop up or taxes go up,ya'll be in hot water. You can get sick. I would never live like that, but you are probably young and foolish. Years ago I saw the same thing when I worked for a bank on Wall Street. Do you really want to know how many foreclosures I did a day?
From what you said, you don't know anything about Nashville. Your firm may only operate from those cities but Nashville is the main office of my husbands company and its the 3rd largest in that field. Nashville has a lower unemployment rate than NJ. Other parts of TN may have it, but Nashville is a Capital City, and the richest in the state. Now, Memphis, I won't even go back to visit it.
Diane

[CuCullin]

Originally Posted by Diane Giam

Your a fool mortgaging that much money. When other expenses pop up or taxes go up,ya'll be in hot water. You can get sick. I would never live like that, but you are probably young and foolish. Years ago I saw the same thing when I worked for a bank on Wall Street. Do you really want to know how many foreclosures I did a day?

I would venture to say zero, because you've never worked for a bank. If you did, you would know better than to say that. How much of a home is mortgaged is inconsequential! The important part is how much you make relative to your mortgage payments, your debt ratio, etc. If someone is doing a 100% mortgage on a $500k home are they foolish? Not necessarily - they may be making $300k a year, and want to keep the bulk of their money in other investments.

You know you didn't work at a bank - just admit it.

Originally Posted by Diane Giam

From what you said, you don't know anything about Nashville. Your firm may only operate from those cities but Nashville is the main office of my husbands company and its the 3rd largest in that field. Nashville has a lower unemployment rate than NJ. Other parts of TN may have it, but Nashville is a Capital City, and the richest in the state. Now, Memphis, I won't even go back to visit it.
Diane

So you're suggesting Nashville is as much of a financial center as NYC, DC, San Francisco, London, Dubai, Hong Kong, and Las Vegas? Well then, I better suggest to the senior partners that we open an office there! Whats the ninja situation?